Search found 125 matches

by E-M-H
Mon Jun 18, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 274735

Re: Best watch for around $5,000?

oldzey wrote: ↑
Mon Jun 18, 2018 4:10 pm
If someone offered to buy me a watch, with $5,000 to spend, and I couldn't spend it any other way, then I would pick a Rolex Submariner, model 14060.
Nice watch. But unfortunately $5,000 no longer will buy one, new or used.
by E-M-H
Wed May 18, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 7935

Re: $750 repair or buy new

Look into third party repairs for a fraction of the price that Apple charges. For reference, check out the numerous companies advertising this service on Ebay. I have had good experience with third party specialists when Apple's repair prices were very high relative to the replacement cost of the la...
by E-M-H
Mon Mar 21, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Hotel in Fisherman's Wharf district of San Francisco
Replies: 15
Views: 2110

Re: Hotel in Fisherman's Wharf district of San Francisco

Fisherman's Wharf is very touristy. If you have been to San Francisco before, my recommendation is to skip the wharf altogether. Any of the surrounding areas will be more interesting.
by E-M-H
Wed Jan 28, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 4856

Re: Amazon Prime - good deal or calculated conditioning

First, Prime doesn't really pay for itself with just a single large purchase unless the 2-day delivery is really important to the buyer . Most (but possibly not all) large items qualify for free shipping anyway. But I must admit that the quick delivery has become addictive. Also, with Prime it seems...
by E-M-H
Thu Jan 15, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 11778

Re: This topic is causing stress in marriage we need some he

Employer stock dividend disributions by ESOPs are not subject to the 10% early withdrawal tax.
by E-M-H
Sat Sep 14, 2013 9:14 am
Forum: Personal Consumer Issues
Topic: Speaker Jumper Cables
Replies: 19
Views: 3187

Re: Speaker Jumper Cables

Your speakers are designed for bi-wiring, not bi-amping. With bi-wiring, you run a separate set of speaker cables from the same amp to each pair of speaker terminals. The jumper is an accommodation for those who don't want to go through the trouble of bi-wiring. Is it worthwhile to bi-wire? Some man...
by E-M-H
Wed Apr 03, 2013 6:15 pm
Forum: Personal Consumer Issues
Topic: How to find a Windows 7 PC
Replies: 4
Views: 621

Re: How to find a Windows 7 PC

There is no need to avoid Windows 8 PCs. There is a simple free program that adds back the start menu button. This makes it easy to boot into desktop mode. With this program, I don't see much of a difference between 7 and 8 in normal use.
by E-M-H
Wed Aug 01, 2012 10:32 am
Forum: Personal Consumer Issues
Topic: Worried about losing email account
Replies: 34
Views: 4920

Re: Worried about losing email account

Yahoo mail was down yesterday for a few hours. You can often determine whether there is a large outage by checking Twitter.
by E-M-H
Tue Jul 31, 2012 10:26 am
Forum: Personal Consumer Issues
Topic: HP Touchpad Fire Sale - One Year Later
Replies: 11
Views: 2479

Re: HP Touchpad Fire Sale - One Year Later

You need at least 2GB of free memory on the "media" partition.
by E-M-H
Mon Jul 30, 2012 4:54 pm
Forum: Personal Consumer Issues
Topic: HP Touchpad Fire Sale - One Year Later
Replies: 11
Views: 2479

Re: HP Touchpad Fire Sale - One Year Later

Android works great with the Touchpad. I have been running ICS for months, and the recent builds are substantially improved, particularly with regard to wifi and battery life. I'm still waiting for my "smart" phone to be updated to ICS later this quarter. But by that time I'll probably be running Je...
by E-M-H
Mon Jul 16, 2012 12:32 pm
Forum: Personal Consumer Issues
Topic: Can I stop political texts to my cell phone?
Replies: 19
Views: 5459

Re: Can I stop political texts to my cell phone?

You would have to check your phone plan, but I bet you don't pay for incoming texts, only outgoing ones. So, I doubt the incoming text costs you anything, other than your peace of mind. I once had a prepaid plan that did that. But all of the regular plans that I've had treat ingoing and ongoing tex...
by E-M-H
Fri Jul 13, 2012 4:09 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 274735

Re: Best watch for around $5,000?

Keeping things on point for this forum: A properly chosen used watch can be a relatively low-risk purchase. I hesitate to call this an investment because I'm not sure how watches would fit into an IPS. The prices of the premium brands (Patek, Rolex, and a few others) are tightly controlled and only ...
by E-M-H
Thu Jul 12, 2012 4:20 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 274735

Re: Best watch for around $5,000?

Rolex Service Centers now provide a 2 year warranty.
by E-M-H
Thu Jun 28, 2012 6:04 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Repair Suggestions: Take Seriously or Not?
Replies: 43
Views: 5303

Re: Car Dealership Repair Suggestions: Take Seriously or Not

Your independent can handle all of these items. Why not get a second quote?
by E-M-H
Thu Jun 28, 2012 3:59 pm
Forum: Personal Consumer Issues
Topic: Laptop recommendation - under $500
Replies: 32
Views: 4147

Re: Laptop recommendation - under $500

If you can check out the screen quality ahead of time that will be a plus. Otherwise, consider that sometimes these cheap models can work well for a long time but frequently they fall apart and will be impractical to fix. Also, it can be useful to look at reviews on Amazon to see how each company ha...
by E-M-H
Wed Jun 20, 2012 5:41 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein's new e-Book now available
Replies: 109
Views: 17644

Re: Bill Bernstein's new e-Book now available

I'm looking forward to reading this. For the cheapskates: consider insights per page rather than cents per page.
by E-M-H
Wed Jun 20, 2012 3:31 pm
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 50
Views: 17994

Re: Tapatalk Integration

Many forums have set up mobile friendly interfaces that don't require the use of an app. I think that is an excellent approach as navigation is very easy for all with a mobile browser.
by E-M-H
Thu May 31, 2012 4:12 pm
Forum: Investing - Theory, News & General
Topic: 7% earnings yield v negative TIPS real yield
Replies: 22
Views: 2096

Re: 7% earnings yield v negative TIPS real yield

No, thanks for your call out - the article is very different from the point the snippet seemed to be making at first glance.
by E-M-H
Thu May 31, 2012 3:22 pm
Forum: Investing - Theory, News & General
Topic: 7% earnings yield v negative TIPS real yield
Replies: 22
Views: 2096

Re: 7% earnings yield v negative TIPS real yield

"Now" and moment-in-time comparisons are useless. The "S&P" could lose 7% per year for the next five years.
by E-M-H
Fri May 25, 2012 11:23 am
Forum: Personal Consumer Issues
Topic: Internet Car Buying- Lessons Learned
Replies: 49
Views: 13300

Re: Internet Car Buying- Lessons Learned

Good writeup. It's a bit strange that dealers still feel the need to have separate internet sales channels. But there is some benefit to informed consumers because it is easy to obtain multiple quotes without driving around from dealer to dealer.
by E-M-H
Mon May 14, 2012 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: To sell (old car) or not
Replies: 46
Views: 3301

Re: To sell (old car) or not

$700 - $900 per year is not all that high for an 8 year old BMW.
by E-M-H
Thu May 03, 2012 3:21 pm
Forum: Personal Consumer Issues
Topic: iPad choice?
Replies: 24
Views: 2722

Re: iPad choice?

We have the Ipad 2 with wifi. I think the next time around we will look into adding 3G. Also, the screen of the Ipad 2 always seemed fine but now that I have seen the new hi-res model and the retina display on the latest phones, I think the higher resolution screen is probably worth it. Much to my s...
by E-M-H
Tue May 01, 2012 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Free Mercedes-Benz when you open a $1M 5yr CD (1.2% APY)
Replies: 27
Views: 2916

Re: Free Mercedes-Benz when you open a $1M 5yr CD (1.2% APY)

No. You would not be taxed on the value of the car. You paid for the car with your money, which was already subject to 1099-INT tax. You would, of course, pay sales tax on the car if Florida has sales tax. The car is new. It is under warranty. I don't see from the fine print where you get the idea ...
by E-M-H
Tue May 01, 2012 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Free Mercedes-Benz when you open a $1M 5yr CD (1.2% APY)
Replies: 27
Views: 2916

Re: Free Mercedes-Benz when you open a $1M 5yr CD (1.2% APY)

No. You would not be taxed on the value of the car. You paid for the car with your money, which was already subject to 1099-INT tax. You would, of course, pay sales tax on the car if Florida has sales tax. The car is new. It is under warranty. I don't see from the fine print where you get the idea ...
by E-M-H
Mon Apr 30, 2012 4:24 pm
Forum: Personal Consumer Issues
Topic: Yard cleaning service
Replies: 28
Views: 2719

Re: Yard cleaning service

I think this is very Bogleheadish after all. This is a good rate and therefore you are using a low-cost provider.
by E-M-H
Fri Apr 27, 2012 6:16 pm
Forum: Personal Consumer Issues
Topic: Carl Sagan
Replies: 47
Views: 4677

Re: Carl Sagan

I had him for an undergraduate astronomy course. He loved his subject and delivered his lectures without notes.
by E-M-H
Tue Apr 24, 2012 12:30 pm
Forum: Personal Consumer Issues
Topic: Upgrade from FireFox 3.6.28 to version 11.0?
Replies: 34
Views: 2589

Re: Upgrade from FireFox 3.6.28 to version 11.0?

The latest Firefox version is now 12.0.
by E-M-H
Mon Apr 23, 2012 10:36 am
Forum: Personal Consumer Issues
Topic: Looking into buying a flatscreen tv
Replies: 62
Views: 5206

Re: Looking into buying a flatscreen tv

The manufacturers don't seem to have a clue as to how to make an internet TV. My Samsung touts all kinds of channels and services. But the interface is clunky and slow and I never use those "features". Don't wait for an internet TV. If you need network-based features, look at external boxes such as ...
by E-M-H
Thu Apr 19, 2012 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Penn State Honors College Vs. Cornell ... Thank you! Post #1
Replies: 116
Views: 17037

Re: Penn State Honors College Vs. Cornell

Dealmaster00 wrote:For undergrad, it really doesn't matter where you go.
This is true only from a very narrow perspective. College is about much more than future employment. Choice of the right college (not necessarily the one rated highest by USN&WW) is an extremely important decision.
by E-M-H
Wed Apr 18, 2012 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Penn State Honors College Vs. Cornell ... Thank you! Post #1
Replies: 116
Views: 17037

Re: Penn State Honors College Vs. Cornell

Jobs are important but college is about much more than getting a job. Research the best fit. Look at the professors, the caliber of students, and the academics in areas other than your intended trade. I respect PSU greatly, but I'd sacrifice to pay the extra $60,000 for Cornell in a second. (The 1% ...
by E-M-H
Fri Apr 13, 2012 1:20 pm
Forum: Personal Consumer Issues
Topic: buying a smartphone
Replies: 38
Views: 3411

Re: buying a smartphone

Many people with 4G phones set them to 3G. The reason is that with current chipsets, 4G drains the battery much faster. I use 3G most of the time for this reason. I don't really need the download speed as I don't watch videos on my phone. I recently bought my daughter a used Droid-X (3G only) on Eba...
by E-M-H
Mon Apr 02, 2012 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: T Rowe Price 401K plan: Any good?
Replies: 15
Views: 4242

Re: T Rowe Price 401K plan: Any good?

The TRP 401k likely uses funds inside the TRP family as well as selected outside funds. The selection of funds differs by employer and plan, therefore, you can't really evaluate until you see how your particular plan is set up. The same PIMCO fund is available in some TRP 401k plans.
by E-M-H
Mon Mar 19, 2012 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Apple Stock
Replies: 54
Views: 5520

Re: Apple Stock

Exit strategy? Sell shares now until your asset class holdings are appropriately diversified and consistent with your overall asset allocation.
by E-M-H
Fri Mar 09, 2012 11:43 am
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard Portfolios - Big Difference Over Last 10 yrs
Replies: 85
Views: 14337

Re: DFA vs Vanguard Portfolios - Big Difference Over Last 10

With regard to the chart: I was redirected to the chart page last week when I mistakenly typed bogleheads.com into my browser. This type of redirection does not reflect well on a company. First impressions count, but this first impression made me think of the numerous cybersquatters about which no f...
by E-M-H
Wed Feb 15, 2012 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Jeremy Lin is a Boglehead...
Replies: 42
Views: 5608

Re: Jeremy Lin is a Boglehead...

wander wrote: He may have different look, but he is an American.
Different from whom? You?
by E-M-H
Thu Feb 09, 2012 8:12 pm
Forum: Investing - Theory, News & General
Topic: how quickly things change
Replies: 6
Views: 1054

Re: how quickly things change

Yup, the "how quickly" part is definitely the message. I don't think you were trying to compare a one year return against a one month return. During 2011 things also changed quickly month-to-month!
by E-M-H
Thu Feb 09, 2012 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: 100 year investment
Replies: 38
Views: 2870

Re: 100 year investment

First, the trustee doesn't need to maintain the same investment over the lifetime of a long-term trust, and likely has a duty to invest the corpus more prudently than that. So your question is possibly just hypothetical. You could provide general guidance to the trustee without mandating a specific ...
by E-M-H
Wed Feb 01, 2012 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How do you retirees pay for new/new used cars?
Replies: 58
Views: 6327

Re: How do you retirees pay for new/new used cars?

You are thinking of withdrawal percentage in terms of the current year payout. Over time, your withdrawal percentage has to be applied to cars and other assets that are used over several years. So a portion of each year's withdrawal should be allocated to that cost (and not spent currently). If you ...
by E-M-H
Tue Jan 31, 2012 11:57 am
Forum: Investing - Theory, News & General
Topic: Is delaying Social Security a form of market timing?
Replies: 26
Views: 1918

Re: Is delaying Social Security a form of market timing?

Yes, because your deferral choice is making a decision about the return at a particular time of one asset allocation, given specific facts at the time, compared to another asset allocation.
by E-M-H
Mon Jan 23, 2012 11:53 am
Forum: Personal Consumer Issues
Topic: Do you wear glasses
Replies: 31
Views: 3031

Re: Do you wear glasses

Seriously, why do you want to know?
by E-M-H
Wed Jan 18, 2012 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive time to visit Europe?
Replies: 29
Views: 2476

Re: Expensive time to visit Europe?

Now is a good time to go. I recently traveled in Spain and many things (food, transit, entertainment) were less expensive than the US.
by E-M-H
Thu Dec 22, 2011 4:28 pm
Forum: Investing - Theory, News & General
Topic: MS Excel versus Libreoffice versus Gnumeric or anything else
Replies: 27
Views: 4378

Re: MS Excel versus Libreoffice versus Gnumeric or anything

All of the named spreadsheets work for investing as the calculations are typically not complex. Go with the program that you are most familiar with or can use most efficiently.
by E-M-H
Thu Dec 22, 2011 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae "2 percent" cash back???? False?
Replies: 29
Views: 2372

Re: Sallie Mae "2 percent" cash back???? False?

Credit card points are a confusing and often misleading form of reward. Give me a straight percentage cash refund - at least I can evaluate the benefit.
by E-M-H
Mon Dec 19, 2011 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Craiglist - real or scam?
Replies: 39
Views: 6236

Re: Craiglist - real or scam?

I have a sold a single item, a pair of speakers, on Craigslist. I enjoyed meeting the local buyer and everything worked out. But my post attracted an endless stream of flakes, deadbeats, scammers, and idiots. I will sell on Craigslist again but this time I will have far less patience with inquiries ...
by E-M-H
Mon Dec 05, 2011 7:05 pm
Forum: Personal Consumer Issues
Topic: Any Acura MDX drivers? Opinions wanted
Replies: 7
Views: 974

Re: Any Acura MDX drivers? Opinions wanted

I own a Honda Pilot, which is mechnically similar. The MDX is a bit nicer on the inside, but the biggest difference to me is the noise. The MDX is much quieter than the noisy Pilot.
by E-M-H
Mon Nov 21, 2011 11:32 am
Forum: Personal Finance (Not Investing)
Topic: bogle-ish charity/giving?
Replies: 9
Views: 925

Re: bogle-ish charity/giving?

Applying Bogle's investing ideas to charities: (1) look for those with minimal overhead, with a high percentage of contributions applied to operating activities rather than administration or salaries; (2) avoid inefficient ways to spending your money and don't donate by texting or dialing phone numb...
by E-M-H
Fri Nov 18, 2011 4:07 pm
Forum: Personal Consumer Issues
Topic: Help Me Select A Stereo System
Replies: 80
Views: 6763

Re: Help Me Select A Stereo System

Another vote for Sonos, available from Best Buy and Crutchfield.com. Sonos is very easy to set up and use. It can stream from Pandora and most subscription services, and can be controlled from your Mac or Windows computer, iPhone, or Android phone.
by E-M-H
Thu Nov 17, 2011 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Received final 2% rewards from Schwab Visa
Replies: 100
Views: 10873

Re: Received final 2% rewards from Schwab Visa

I couldn't make this up if I tried. Yesterday I received a letter from FIA inviting me to participate in a new promotional offer using the old cash back card. I would need to continue to use the old card and charge a certain balance. Enrollment in the program is, you guessed it, on-line! What kind ...
by E-M-H
Tue Nov 15, 2011 1:27 pm
Forum: Personal Consumer Issues
Topic: Buying software off of Craigslist
Replies: 13
Views: 1799

Re: Buying software off of Craigslist

It's not clear what you are asking. As you know, Craiglist is not a single seller. There is a broad spectrum of sellers. Many are honest and some are quite flakey, just like any other segment of the population. The latest CS is expensive, new or used. Do you need the upgraded features? If you are no...
by E-M-H
Thu Nov 10, 2011 4:18 pm
Forum: Personal Consumer Issues
Topic: Beatles or Rolling Stones
Replies: 70
Views: 4724

Re: Beatles or Rolling Stones

They're both great but I'm pretty tired of both. I've moved on to other music.